JP7229627B1 - Program, method, information processing device, and system - Google Patents

Abstract

An object of the present invention is to reduce the burden on a person in charge of contract work. A program for causing a computer having a processor to manage a contract concerning a contract concluded by a user (excluding a contract relating to an insurance product), the program comprising: receiving document data of the contract; and extracting descriptions that may generate liability for compensating for damages based on the content of the contract; obtaining information on insurance products corresponding to the compensation for damages; and presenting the obtained information to the user. A program is provided that causes the steps of: [Selection drawing] Fig. 12

Description

The present invention relates to programs, methods, information processing apparatuses, and systems.

In recent years, an increasing number of companies have introduced document management services for managing legal documents as digital document data. Depending on the content of the legal document, insurance may be purchased for risk hedging. For example, Patent Literature 1 describes a technique for proposing insurance suitable for an insured person by representing the difference from the currently required expenses based on an existing insurance contract.

JP 2002-329064 A

However, the technology described in the above patent document does not relate to insurance against damages that may occur based on the content of the contract. Finding insurance was a burden.

The purpose of this disclosure is to reduce the burden on the person in charge of contract work.

In the present disclosure, a program that causes a computer including a processor to manage a contract concerning a contract (excluding a contract related to an insurance product) entered into by a user, the program comprising: receiving document data of the contract; and extracting descriptions that may generate liability for compensating for damages based on the content of the contract; obtaining information on insurance products corresponding to the compensation for damages; and presenting the obtained information to the user. A program is provided that causes the steps of:

By adopting the above configuration, the burden on the person in charge of contract work can be reduced.

2 is a block diagram showing the hardware configuration of the contract management system 1 according to the first embodiment; FIG. 2 is a block diagram showing the functional configuration of the terminal device 10; FIG. 3 is a block diagram showing a functional configuration of a management server 20; FIG. 3 is a diagram showing an example of an insurance product database 2021 stored in a storage unit 202 of a management server 20; FIG. 3 is a diagram showing an example of an entry database 2022 stored in a storage unit 202 of a management server 20; FIG. 3 is a diagram showing an example of a description correspondence database 2023 stored in a storage unit 202 of a management server 20; FIG. 5 is a diagram showing an example of a contract display screen 50. FIG. 6 is a diagram showing an example of an insurance outline presentation icon 60. FIG. 7 is a diagram showing an example of an insurance details presentation icon 70. FIG. FIG. 11 is a diagram showing another example of an insurance outline presentation icon 60; FIG. 10 is a diagram showing still another example of the insurance outline presentation icon 60. FIG. 4 is a diagram for explaining the flow of processing of the contract management system 1; FIG.

An embodiment of the present invention will be described in detail below with reference to the drawings. In the drawings for describing the embodiments, in principle, the same constituent elements are denoted by the same reference numerals, and repeated description thereof will be omitted.

<1. First Embodiment>
(1-1. Overview)
The contract management system 1 according to the present embodiment analyzes the content of document data of contracts (excluding contracts related to insurance products) read by a terminal device such as a smartphone used by a user, and determines damages based on the contract content. Descriptions that may result in liability for compensation are extracted, and information on insurance products corresponding to compensation for the damage (hereinafter simply referred to as insurance information) is presented to the user. As a result, the burden of contract work can be reduced by saving the time and effort of the person in charge of contracting to select the necessary insurance product by himself/herself.

The information on the insurance product may be an insurance product provided by an insurance provider contracted in advance by the administrator of the contract management system 1 . In this case, when the person in charge of the contract concludes the contract for the presented insurance product, the administrator of the contract management system 1 may charge the provider of the insurance product a success fee for concluding the contract. Each configuration will be described in detail below.

(1-2. Hardware configuration)
FIG. 1 is a diagram showing the overall configuration of a contract management system 1 of this embodiment. As shown in FIG. 1 , the contract management system 1 includes a terminal device 10 used by a user and a management server 20 . The terminal device 10 and the management server 20 are connected so as to be able to communicate with each other via a network 30 using a wireless or priority communication standard. In the illustrated example, one terminal device 10 is included in the contract management system 1 in consideration of visibility, but the number of terminal devices 10 can be arbitrarily changed according to the number of users.

The terminal device 10 is implemented by a highly portable computer such as a smart phone or a tablet terminal, for example. Alternatively, the terminal device 10 may be a computer such as a stationary PC (Personal Computer), a laptop PC, or a head-mounted display.

As shown in FIG. 1, the terminal device 10 includes a communication IF (Interface) 12, an input device 13, an output device 14, a memory 15, a storage 16, and a processor 19.

The communication IF 12 is an interface for transmitting and receiving signals so that the terminal device 10 communicates with an external device. The input device 13 is a device for receiving an input operation from a user. The input device 13 includes, for example, a touch panel, a touch pad, a pointing device such as a mouse, a keyboard, and the like.

The output device 14 is a device for presenting information to the user. The output device 14 includes, for example, a display and speakers. The memory 15 temporarily stores programs, data processed by the programs, and the like, and is realized by, for example, a volatile memory such as a DRAM (Dynamic Random Access Memory).

The storage 16 is a storage device for storing data, and is realized by, for example, flash memory and HDD (Hard Disc Drive). The processor 19 is hardware for executing an instruction set described in a program, and is composed of arithmetic units, registers, peripheral circuits, and the like.

The management server 20 is a device that executes processing, which will be described later, based on information input by a user, and is realized by a computer connected to the network 30 .

As shown in FIG. 1, the management server 20 includes a communication IF 22, an input/output IF 23, a memory 25, a storage 26, and a processor 29.

The communication IF 22 is an interface for transmitting and receiving signals so that the management server 20 communicates with an external device. The input/output IF 23 functions as an interface with an input device for receiving input operations from the user and an output device for presenting information to the user.

The memory 25 is for temporarily storing programs, data processed by the programs, etc., and is realized by a volatile memory such as a DRAM, for example. The storage 26 is a storage device for storing data, and is implemented by flash memory or HDD, for example. The processor 29 is hardware for executing an instruction set described in a program, and is composed of arithmetic units, registers, peripheral circuits, and the like.

(1-3. Functional Configuration of Terminal Device 10)
FIG. 2 is a block diagram showing the functional configuration of the terminal device 10 included in the contract management system 1. As shown in FIG. As shown in FIG. 2, the terminal device 10 includes a wireless communication unit 120, an operation input unit 130, an audio processing unit 140, a position information sensor 150, a camera 160, a storage unit 170, and a control unit 180. Prepare.

The terminal device 10 also includes functions and configurations not shown in FIG. 2 (for example, a battery for retaining power, a power supply circuit for controlling power supply from the battery to each circuit, etc.). Each block included in the terminal device 10 is electrically connected by, for example, a bus.

The wireless communication unit 120 performs processing for the terminal device 10 to communicate with other devices. The wireless communication unit 120 performs transmission processing on the signal generated by the control unit 180 via the antenna 121 and transmits the signal to the outside (for example, the management server 20). Wireless communication section 120 performs reception processing on a signal received from the outside and outputs the signal to control section 180 .

The operation input unit 130 has a mechanism for receiving input operations from the user using the terminal device 10 . Specifically, for example, when the terminal device 10 is a PC, the operation input unit 130 may include a mouse, a keyboard, and the like. Also, if the operation input unit 130 is a touch screen, the specification may include the touch sensitive device 131 and the display 132 .

The touch-sensitive device 131 detects the user's touch position on the display 132 by using, for example, a capacitive touch panel. The touch-sensitive device 131 outputs a signal indicating the user's touch position detected by the touch panel to the control unit 180 as an input operation.

The display 132 functions as an output device 14 that displays data such as images, moving images, and text under the control of the control unit 180 . The display 132 is implemented by, for example, an LCD (Liquid Crystal Display) or an organic EL (Electro-Luminescence) display.

The audio processing unit 140 modulates and demodulates an audio signal. The audio processing unit 140 is implemented by, for example, a processor for audio processing. Audio processing unit 140 modulates the audio signal supplied from microphone 141 and outputs the modulated signal to control unit 180 . Also, the audio processing unit 140 demodulates the audio signal supplied from the control unit 180 and supplies the demodulated signal to the speaker 142 .

Microphone 141 receives a voice input and outputs a voice signal corresponding to the voice input to voice processing section 140 . The speaker 142 converts the audio signal provided from the audio processing unit 140 into audio and outputs the audio to the outside of the terminal device 10 .

The position information sensor 150 is a sensor that detects the position of the terminal device 10, and is, for example, a GPS (Global Positioning System) module. A GPS module is a receiving device used in a satellite positioning system. The satellite positioning system receives signals from at least three or four satellites and detects the current position of the terminal device 10 equipped with a GPS module based on the received signals.

The camera 160 is a device that receives light with an imaging element and outputs it as an image signal. The camera 160 is arranged, for example, at a position facing the user who uses the terminal device 10 .

The storage unit 170 is configured by the storage 16 and stores data and programs used by the terminal device 10 .

Control unit 180 is implemented by processor 19 reading a program stored in storage unit 170 and executing instructions included in the program. The control unit 180 controls operations of the terminal device 10 . Specifically, for example, the control unit 180 functions as an operation reception module 181 , a transmission/reception module 182 , and a display module 183 .

The operation reception module 181 performs processing for receiving a user's operation input from the input device 13 . For example, the operation reception module 181 determines whether the operator's operation is a flick operation, a tap operation, a drag ( swipe) operation, and accepts the operation.

The transmission/reception module 182 performs processing for the terminal device 10 to transmit and receive data to and from an external device such as the management server 20 according to a communication protocol.

The display module 183 displays various information to the user by displaying various data on the output device 14 .

(1-4. Functional Configuration of Management Server 20)
FIG. 3 is a diagram showing the functional configuration of the management server 20. As shown in FIG. As shown in FIG. 3 , the management server 20 includes a communication section 201 , a storage section 202 and a control section 203 .

The communication unit 201 performs processing for the management server 20 to communicate with an external device such as the terminal device 10 .

The storage unit 202 is realized by the memory 25 or the storage 26 and stores data and programs used by the management server 20 . As an example, the storage unit 202 stores an insurance product database 2021 , a description database 2022 , and a description correspondence database 2023 . Details of each database will be described later.

The control unit 203 exhibits functions shown as various modules shown below when the processor 29 performs processing according to a program.

The transmission/reception module 2031 controls the process of transmitting/receiving a signal from an external device to/from the management server 20 according to a communication protocol.

The analysis module 2032 analyzes the document data of the contract and extracts descriptions that may result in liability for compensating for damage based on the content of the contract. Specifically, the analysis module 2032 analyzes the document data and extracts predetermined words or predetermined items as descriptions that may generate liability for damages. The predetermined word or predetermined item may be stored in advance in the entry database 2022 of the storage unit 202 of the management server 20 .

As an example, the analysis module 2032 may use natural language processing to extract descriptions that may cause liability for damage compensation. Specifically, the analysis module 2032 performs morphological analysis, syntactic analysis, semantic analysis, and contextual analysis on the document data. In addition, a specification may be adopted in which predetermined words or predetermined items pre-stored in the entry database 2022 are extracted from the document data.

In addition, the analysis module 2032 may be configured to analyze document data and extract descriptions related to disclaimer. A disclaimer statement may include information regarding a cap on damages, reasons for attribution, scope of damages (including at least one of scope, temporal scope, and spatial scope of the subject matter of damages). These disclaimers may also be stored in advance in the description database 2022 .

The insurance information acquisition module 2033 acquires information on insurance products corresponding to compensation for damages. Specifically, the extracted descriptions are classified based on the compensation for damages that can occur from the contents thereof, and information on insurance products associated with each classification is acquired. Although the details will be described later, the description-related classifications are pre-stored in the description item database 2022 . The insurance information acquisition module 2033 acquires information on insurance products associated with each category of description contents by referring to the description correspondence database 2023 that associates description-related classifications with insurance-related classifications.

In addition, the insurance information acquisition module 2033 may acquire information on insurance products based on the details of the exemption. In this case, the insurance information acquisition module 2033 acquires insurance product information associated in the description correspondence database 2023 with respect to the disclaimer description stored in the description database 2022 .

When the user selects the presented insurance product and makes a contract, the expense claiming module 2034 accounts for the selected content and charges the insurance provider a fee as a success fee for concluding the contract.

(1-5. Data structure)
An example of a database used in the contract management system 1 will be described with reference to FIGS. 4 to 6. FIG. The database described below is merely an example, and does not exclude data not described.

FIG. 4 is a diagram showing an example of the data structure of the insurance product database 2021 stored in the storage unit 202 of the management server 20. As shown in FIG. The insurance product database 2021 pre-stores information on insurance products provided by various insurance providers. The records of the insurance product database 2021 include the item “product ID”, the item “product name”, the item “insurance classification”, the item “product overview”, the item “upper limit of compensation”, and the item “disclaimer”. , the item "product details" and the item "remarks".

The item "product ID" is information as an identifier for identifying an insurance product.

The item "product name" is information about the name of the insurance product.

The item "insurance classification" is information about the classification of the insurance product. The classification of insurance products may be by type of coverage, such as personal liability insurance, commercial liability insurance, or facility liability insurance, contractor liability insurance, product liability insurance, etc. The classification may be based on the contents. Moreover, you may classify|categorize using these types and divisions, respectively.

The item "outline of product" is information on the outline of the insurance product.

The item "compensation maximum amount" is information on the maximum amount of compensation for the insurance product.

The item "disclaimer" is information about the disclaimer for the insurance product. A disclaimer is a specific item for which insurance claims are not covered, examples of which include natural disasters, warfare, and the presence or absence of negligence.

The item "details of product" is information about the details of the insurance product.

The item "remarks" is information about matters to be noted about the insurance product. As an example, information on the special contract for the main contract of the insurance product, information on the deductible amount, and information on the start time of insurance application are appropriately set.

FIG. 5 is a diagram showing an example of the data structure of the entry database 2022 stored in the storage unit 202 of the management server 20. As shown in FIG. In the description item database 2022, descriptions that may result in liability for damages based on the contract content of the contract are registered in advance. The record of the description item database 2022 includes the item “description ID”, the item “description type”, the item “description item”, the item “description classification”, the item “remarks”, and the like.

The item "description ID" is information as an identifier for identifying a description.

The item "description type" is information about the type of the description. The type of description means a classification according to the role in the document, such as "text" or "item" in the contract.

The item "description" is information about the content of the description.

The item "description classification" means a division based on the content of compensation for damages that may arise from the content of the description. As an example, "description classification" includes facility damages, contractors' damages, product damages, and the like.

The item "remarks" is information about matters to be noted in the description.

FIG. 6 is a diagram showing an example of the data structure of the description correspondence database 2023 stored in the storage unit 202 of the management server 20. As shown in FIG. The description correspondence database 2023 stores information in which insurance products and descriptions are associated with each other. The record of the description correspondence database 2023 includes the item “correspondence ID”, the item “description classification”, the item “insurance classification”, the item “remarks”, and the like.

The item "correspondence ID" is information as an identifier for identifying correspondence between an insurance product and a description.

The item “description classification” is a description classification stored in the description database 2022 .

The item “insurance category” is the insurance category stored in the insurance product database 2021 .

The item "remarks" is information about matters to be considered for the correspondence.

In this way, the description correspondence database 2023 associates and stores the description classification obtained by classifying the description of the contract according to the contents with the insurance classification, which is the insurance product classification. As a correspondence relationship, one description classification may be associated with a plurality of insurance classifications, and/or one insurance classification may be associated with a plurality of description classifications.

(1-6. Screen example)
Examples of screens displayed on the terminal device 10 will be described with reference to FIGS. 7 to 11. FIG. As shown in FIG. 7, the contract display screen 50 is displayed on the display 132 of the terminal device 10 .

The contract display screen 50 displays the contract selected by the user. The user can close the specification by pressing the close button 51 . Further, the user can check the contents of the specification from the beginning to the end by moving the scroll button 52 .

As an example, the contract contains an item 53a and a text 53b. In item 53a or text 53b, descriptions that may result in liability for compensating for damages based on the content of the contract (hereinafter also referred to as liability descriptions) are displayed in a manner different from other descriptions, and are associated with the liability description. An insurance recommendation icon 54 is displayed in the form of

As shown in FIG. 8, when the user presses the insurance recommendation icon 54, an insurance summary presentation icon 60 is displayed. The insurance outline presentation icon 60 has a function as an indicator indicating that there is an insurance product corresponding to compensation for the damage, and presents an outline of the insurance product. When the user presses the details button 62, detailed information about the insurance product is presented. When the user presses the close button 61, the insurance summary presentation icon 60 is closed and the insurance recommendation icon 54 is displayed again.

As shown in FIG. 9, when the user presses the details button 62 of the insurance summary presentation icon 60, the insurance details presentation icon 70 is displayed. The insurance details presentation icon 70 presents detailed information on the insurance product. The detailed information is information acquired from the insurance product database 2021 of the management server 20. For example, the specification may include information on when insurance coverage starts or information on a link for acquiring detailed information. In this case, such information may be stored in the item "remarks" of the insurance product database 2021. FIG. When the user presses the close button 71, the insurance detail presentation icon 70 is closed and the insurance outline presentation icon 60 is displayed again.

By moving the scroll button 72, the user can confirm the details of the insurance details from the beginning to the end. Furthermore, when the user presses the contract button 73, the insurance contract for the insurance product can be concluded.

Further, as shown in FIG. 10, when there are multiple extracted descriptions, the insurance summary presentation icon 60 may be displayed in parallel with respect to the multiple descriptions. In addition, the insurance outline presentation icon 60 may be displayed in a different display mode based on the compensation content of the insurance product. Compared to the insurance summary presentation icon 60a shown in FIG. 10, the insurance summary presentation icon 60b is displayed in a different manner with a background color. In this case, the display mode may be changed according to the compensation type of the insurance product, or the display mode may be changed according to the compensation amount of the insurance product.

Further, as shown in FIG. 11, when a plurality of insurance products exist for each extracted description, the information regarding the insurance products may be presented in a predetermined order. The insurance overview presentation icon 60 shown in FIG. 11 presents a plurality of insurance products arranged in a predetermined order. By moving the scroll button 63, the user can confirm the outline of a plurality of insurance products, and by pressing the detail button 62 of each, the details can be confirmed.

Here, the order of display when there are multiple insurance products may be determined based on the classification of the insurance products, the amount of compensation, the evaluation of the insurance products, and the relationship between the user and the insurance provider. Here, the relationship between the user and the insurance provider may be determined based on information on the history of the user's contracting of insurance products provided by the provider.

In addition, when a plurality of insurance products exist, the order of display is such that the insurance products of insurance providers who have paid a predetermined fee to the administrator of the contract management system 1 are prioritized over the insurance products of other insurance providers. It is good also as a specification which raises and presents. By adopting such specifications, the administrator of the contract management system 1 is promoted to make a profit.

In addition, in FIG. 11 , when a plurality of insurance products exist for one extracted description, a plurality of insurance products are presented within one insurance summary presentation icon 60 . However, the present invention is not limited to this example, and if there are multiple insurance products for each extracted description, multiple insurance outline presentation icons 60 corresponding to each may be displayed.

(1-7. Flow of processing)
An example of the flow of processing of the contract management system 1 will be described with reference to FIG. In this embodiment, the document data of the contract selected by the user is transmitted to the management server 20, and the document data is analyzed. In step S111, the operation reception module 181 of the terminal device 10 receives the selection of contract document data from the user.

In step S<b>112 , the transmission/reception module 182 of the terminal device 10 transmits the document data to the management server 20 . In step S121, the transmission/reception module 2031 of the management server 20 receives document data.

In step S122, the analysis module 2032 of the management server 20 analyzes the received document data, and extracts descriptions that may cause liability for damage based on the content of the contract. In step S123, the insurance information acquisition module 2033 of the management server 20 refers to the insurance product database 2021, the description database 2022, and the description correspondence database 2023, and acquires information on the insurance product corresponding to compensation for the damage.

In step S<b>124 , the transmission/reception module 2031 of the management server 20 transmits the obtained information on the insurance product to the terminal device 10 . In step S113, the transmission/reception module 182 of the terminal device 10 acquires information on insurance products.

In step S114, the display module 183 of the terminal device 10 presents the insurance information to the user by displaying on the display 132 the contract display screen 50 in which the acquired information on the insurance product and the description of the extracted document data are associated. do.

In step S<b>115 , the transmission/reception module 182 of the terminal device 10 transmits the contract details of the insurance product selected by the user to the management server 20 . In step S125, the transmission/reception module 2031 of the management server 20 receives the contract details of the insurance product selected by the user.

In step S126, the billing module 2034, in response to the user's selection of an insurance product, accounts for the selection and bills the provider of the selected insurance product.

As described above, in the contract management system 1 according to the present embodiment, the terminal device 10 receives contract document data and transmits the contract document data to the management server 20 . The management server 20 analyzes the document data and extracts descriptions that may result in liability for damage compensation based on the content of the contract. Furthermore, the management server 20 acquires information on insurance products corresponding to compensation for damage, and presents the acquired information to the user. This saves the person in charge of contracting the trouble of selecting the necessary insurance product by themselves, and reduces the burden on the person in charge of contracting.

<2. Other Embodiments>
Although the embodiments to which the technical scope of the present application is applied have been described above, the present invention is not limited to the above contents.

For example, in the above embodiment, the document data of the contract selected by the user is transmitted to the management server 20, and the document data is analyzed, but it is not limited to this mode. For example, the management server 20 performs analysis processing (step S122) and insurance information acquisition processing (step S123) at the timing of registration for all document data registered by the user in the management server 20, and the user is registered. It may be possible to display (and hide) the insurance information acquired based on the description of the document data when viewing the document data.

In addition, in the above-described embodiment, an insurance contract is made for each document data of a contract selected by the user, and expense claim processing (step S126) is performed for each document data. never. For example, insurance contracts for each document data selected by the user may be stored for a predetermined period (for example, one month), and may be billed at a predetermined timing (for example, at the end of the month).

Liability for damages in this disclosure includes tort liability and default liability. In addition, the subject of insurance corresponding to compensation for damages in this disclosure is usually compensation due to negligence in tort liability and compensation for default liability, but it is not limited to this example if there is a special agreement etc. .

Further, sharing of predetermined information via a communication line is mainly performed via a WAN such as the Internet. and only via infrared communication or the like.

Further, in the above embodiment, an example of a mode in which each function is provided in the terminal device 10 or the management server 20 has been described. The configuration may be provided in the device 10 or the management server 20 .

For example, at least part of the steps described as being executed by the terminal device 10 in the above embodiment may be executed by the management server 20, and at least one of the steps described as being executed by the management server 20 may be executed. You may make the terminal device 10 perform a part.

Furthermore, the present invention may be implemented as a computer-readable non-temporary recording medium that stores the above program.

While various embodiments of the invention have been described above, they are presented by way of example and are not intended to limit the scope of the invention. The novel embodiment can be embodied in various other forms, and various omissions, replacements, and modifications can be made without departing from the scope of the invention. The embodiment and its modifications are included in the scope and gist of the invention, and are included in the scope of the invention described in the claims and equivalents thereof.

<Appendix>
The items described in each of the above embodiments will be added below.

(Appendix 1)
A program that causes a computer with a processor to manage contracts related to contracts (excluding contracts related to insurance products) entered into by a user, the program comprising steps of accepting document data of the contract, analyzing the document data, and analyzing contract details. a step of extracting a statement that may result in liability for compensating for damage based on; a step of obtaining information about an insurance product corresponding to compensation for damage; and a step of presenting the obtained information to the user. A program is provided.
(Appendix 2)
Provided is the program according to appendix 1, which analyzes document data and extracts a predetermined word or a predetermined item as a description for which liability for compensation for damage may occur.
(Appendix 3)
There is provided the program according to Appendix 1 or Appendix 2, which extracts descriptions for which liability for compensation for damage may occur by natural language processing.
(Appendix 4)
Provided is the program according to any one of Appendices 1 to 3, wherein the extracted description is classified based on compensation for damages that can occur from the content, and an insurance product is acquired in association with the classification.
(Appendix 5)
The program according to Supplementary Note 4, which acquires information on insurance products by referring to a storage unit in which information on insurance products provided by a predetermined insurance provider is stored in advance in association with each category. provided.
(Appendix 6)
A program according to Appendix 4 or Appendix 5 is provided for parsing document data and extracting disclaimer statements.
(Appendix 7)
A disclaimer statement is provided in the program set forth in Appendix 6, including information regarding caps on damages, grounds of liability, and scope of damages.
(Appendix 8)
A program according to Appendix 6 or Appendix 7 is provided for obtaining information about an insurance product based on the content of the disclaimer.
(Appendix 9)
The program according to any one of Appendices 1 to 8 is provided for presenting the acquired information on the insurance product to the user in association with the extracted description.
(Appendix 10)
The program according to Supplementary Note 9, which displays an indicator indicating that an insurance product corresponding to compensation for damage exists, and presents information about the insurance product when a user's selection of the indicator is received. provided.
(Appendix 11)
The program according to Supplementary note 9 or Supplementary note 10 is provided for displaying the indicator by changing the display mode based on the compensation content of the insurance product.
(Appendix 12)
12. The program according to any one of appendices 9 to 11 is provided, wherein when a plurality of insurance products exist for one extracted description, information regarding the plurality of insurance products is presented in a predetermined order. .
(Appendix 13)
13. A program as set forth in Clause 12 is provided wherein the predetermined order includes classification of insurance products, amount of coverage, rating of insurance products, relationship between user and insurance provider.
(Appendix 14)
The program according to any one of appendices 9 to 13, wherein the information on the acquired insurance product includes information on the start time of insurance application or information on a link for acquiring detailed information.
(Appendix 15)
15. The program according to any one of appendices 1 to 14 is provided, in which, in response to a user's selection of an insurance product, the selection is accounted for and a fee is charged to the provider of the selected insurance product.
(Appendix 16)
16. The program of Clause 15 is provided for presenting insurance products of insurance providers who have paid a predetermined fee with increased priority over insurance products of other insurance providers.

1: contract management system, 10: terminal device, 13: input device, 14: output device, 15: memory, 16: storage, 19: processor, 20: management server, 25: memory, 26: storage, 29: processor , 30: Network, 50: Contract display screen, 51: Close button, 52: Scroll button, 53a: Item, 53b: Text, 54: Insurance recommendation icon, 60: Insurance outline presentation icon, 61: Close button, 62: Details button, 63: scroll button, 70: insurance details presentation icon, 71: close button, 72: scroll button, 73: contract button, 120: wireless communication unit, 121: antenna, 130: operation input unit, 131: device, 132: display, 140: audio processing unit, 141: microphone, 142: speaker, 150: position information sensor, 160: camera, 170: storage unit, 180: control unit, 181: operation reception module, 182: transmission/reception module, 183 : display module, 201: communication unit, 202: storage unit, 203: control unit, 2021: insurance product database, 2022: description database, 2023: description correspondence database, 2031: transmission/reception module, 2032: analysis module, 2033: insurance Information Acquisition Module, 2034: Billing Module.

Claims (18)

A program that causes a computer with a processor to manage contracts related to contracts concluded by users (excluding contracts related to insurance products),
receiving document data of the contract;
a step of analyzing the document data and extracting a predetermined word or a predetermined item stored in the storage unit based on the content of the contract as a description that may generate liability for damages;
Classify the extracted description based on the damage compensation that can occur from the content, and
a step of acquiring information about the insurance products associated and stored in the storage unit ;
and presenting the obtained information to a user. 2. The program according to claim 1, which analyzes said document data and extracts predetermined words or predetermined items as descriptions that may generate liability for said damages. 3. The program according to claim 1 or 2, which extracts descriptions that may generate liability for compensating for said damages by natural language processing. 2. The program according to claim 1, wherein the extracted description is classified based on compensation for damages that can occur from the contents thereof, and the insurance product is acquired in association with the classification. 5. The method according to claim 4, wherein the information on insurance products provided by a predetermined insurance provider is obtained by referring to a storage unit in which the information on the insurance products is stored in advance in association with each of the classifications. program. Analyze the document data, store in a storage unit, and extract information on the upper limit of damages, reasons for responsibility, scope of damages, or a combination of at least two or more of these as descriptions on exemption from liability. Item 4. The program according to item 4. 7. The program according to claim 6 , which acquires information on said insurance product based on the content of the statement on said exemption. 2. The program according to claim 1, wherein the acquired information on the insurance product is presented to the user in association with the extracted description. 9. The method according to claim 8 , wherein an indicator indicating that an insurance product corresponding to compensation for damage exists is displayed, and information on the insurance product is presented when a user's selection of the indicator is received. program. 10. The program according to claim 9 , wherein the indicator is displayed by changing the display mode based on the compensation content of the insurance product. 9. The program according to claim 8 , wherein when a plurality of insurance products exist for one extracted description, information regarding the plurality of insurance products is presented in a predetermined order. 12. The program of claim 11 , wherein the predetermined order includes insurance product classification, coverage amount, insurance product rating, user-insurance provider relationship. 9. The program according to claim 8 , wherein the acquired information on the insurance product includes information on when to start applying insurance or information on a link for acquiring detailed information. 2. The program according to claim 1, wherein in response to a user's selection of an insurance product, the selection is accounted for and a fee is charged to the provider of the selected insurance product. 15. The program of claim 14 , wherein insurance products of insurance providers who have paid a predetermined fee are presented with higher priority than insurance products of other insurance providers. A method for causing a computer having a processor to manage contracts relating to contracts concluded by users (excluding contracts relating to insurance products), comprising:
receiving document data of the contract;
a step of analyzing the document data and extracting a predetermined word or a predetermined item stored in the storage unit based on the content of the contract as a description that may generate liability for damages;
Classify the extracted description based on the damage compensation that can occur from the content, and
a step of acquiring information about the insurance products associated and stored in the storage unit ;
and presenting the obtained information to a user. An information processing device that includes a processor and manages contracts related to contracts concluded by users (excluding contracts related to insurance products),
receiving document data of the contract;
a step of analyzing the document data and extracting a predetermined word or a predetermined item stored in the storage unit based on the content of the contract as a description that may generate liability for damages;
Classify the extracted description based on the damage compensation that can occur from the content, and
a step of acquiring information about the insurance products associated and stored in the storage unit ;
and a step of presenting the acquired information to a user. A system comprising a computer equipped with a processor and managing contracts related to contracts concluded by users (excluding contracts related to insurance products),
receiving document data of the contract;
a step of analyzing the document data and extracting a predetermined word or a predetermined item stored in the storage unit based on the content of the contract as a description that may generate liability for damages;
Classify the extracted description based on the damage compensation that can occur from the content, and
a step of acquiring information about the insurance products associated and stored in the storage unit ;
and presenting the obtained information to a user.

Images